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Bankwest Breeze Classic Mastercard

A low-cost credit card that also has a competitive introductory offer, with 0% interest on purchases and balance transfers for 15 months and a $0 first-year annual fee.

The Bankwest Breeze Classic Mastercard is a simple, low rate credit card that currently gives new customers a few ways to save, with 0% p.a. interest for 15 months on purchases and balance transfers – plus no balance transfer fee. It also has a $49 annual fee that's waived in the first year with this offer.

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0% p.a.

Balance transfer rate

for 15 months

0% p.a.

Purchase rate

for the first 15 months (reverts to 9.9% p.a.)

$0 p.a.

Annual fee

for the first year ($49 p.a. thereafter)

55 days

Interest free period

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Product NameBankwest Breeze Classic Mastercard
Balance transfer rate p.a.0% for 15 months
Balance transfer revert rateBalance Transfer Revert Rate (9.9%)
Balance transfer limit95% of available limit
Purchase rate p.a.0% for 15 months, reverts to 9.9%
Annual fee$0 for the first year ($49 thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate21.99% p.a.
Min credit limit$1,000
Card typeMastercard
Foreign currency conversion fee2.95%
Minimum income$15,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 0% p.a. on purchases for 15 months, then 9.9% p.a.
  • 0% p.a. on balance transfers for 15 months, with no BT fee
  • $0 annual fee for the first year ($49 p.a. thereafter)
  • Digital card issued upon approval


  • Charges a 2.95% foreign transaction fee
Bonus pointsN/A
Annual fee$0 for the first year ($49 thereafter)
Minimum monthly repayment2% of the closing balance or $20, whichever is greater
Late payment fee$25
Foreign currency conversion fee2.95%
Cash advance fee2% or $4, whichever is greater
Overseas cash advance fee2% or $4, whichever is greater
Overseas ATM withdrawal fee$4
Additional cardholder fee$0
Number of additional cardholders3

Review by

Amy has been writing about personal finance for more than 13 years – including over 700 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Bankwest Breeze Mastercard offers you a few ways to save on credit card costs, with 0% interest for the first 15 months on purchases and balance transfers, plus a $0 annual fee in the first year.

How to apply

You can apply for the Bankwest Breeze Mastercard online and complete the application in around 15 minutes. Before you get started, make sure you meet the eligibility requirements and have all your supporting documentation on hand to speed up the process.

Eligibility criteria

  • Residency. This card is only available to permanent Australian residents or citizens.
  • New customers. Only new customers can take advantage of the introductory offers on this card.

Card benefits

  • 0% balance transfer offer. This card offers 0% p.a. interest on balance transfers for the first 15 months (with no balance transfer fee). After that, any remaining balance will attract interest at the standard balance transfer rate of 9.9% p.a. While there is no specified date when this offer will end, it is only available for a limited time. Note that you will still need to meet the card's repayment requirements during the introductory period.
  • 0% purchase rate offer. Save with a 0% interest rate on purchases for the first 15 months you have this card. After that, a standard purchase rate of 9.9% p.a. applies to your purchase balance. Note that you still need to meet repayment requirements during the interest-free period.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $49.
  • Cash advance interest rate. This card charges a standard cash advance rate of 21.99% p.a. which is applied from the time the transaction is made.

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  1. Default Gravatar
    June 17, 2019

    If I apply for a Bankwest Breeze MAstercard credit card, can I balance transfer debt from other credit cards that are in my partner’s name as well as my own?


    • Avatarfinder Customer Care
      June 18, 2019

      Hi Jon,

      Thank you for getting in touch with Finder.

      Yes, you can however you need to have your partner as your additional card holder to process balance transfer with the card under your partner’s name. Please make sure that the total balance transfer amount should not exceed your Breeze card’s 95% credit limit/available balance including the balance transfer fee/s.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    March 22, 2019

    Hi, may I know what is the maximum limit for Balance transfer?

    • Default Gravatar
      March 23, 2019

      Hi Annie,

      Thank you for contacting Finder.

      The maximum balance transfer limit is 95% of the approved credit limit. For example, you have been approved for $5,000, you may use 95% of it which is $4,750 for Balance Transfer.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions.


  3. Default Gravatar
    March 22, 2019

    Does Bankwest accept a balance transfer from St.George?

    • Avatarfinder Customer Care
      March 22, 2019

      Hello Jellina,

      Thank you for your comment.

      Yes, you can transfer your existing balance from St.George to Bankwest. According to Bankwest credit card terms and conditions, only Australian issued non-Bankwest credit/store cards can be balanced transferred.


  4. Default Gravatar
    March 20, 2019

    Can I transfer from a personal loan to a Bankwest Breeze credit card with 26 months interest-free?

    • Avatarfinder Customer Care
      March 20, 2019

      Hi Sandy,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      I’m afraid you can’t transfer a personal loan to a Bankwest Breeze Mastercard credit card. It only allows you to transfer a balance from another non-Bankwest credit card.

      If you want to find credit cards that allow you to transfer your personal loan balance, please refer to our guide in transferring a loan to a credit card. On that page, you will see a table that allows you to conveniently compare cards that let you transfer a personal loan to a credit card. You can compare based on balance transfer rate, purchase rate, and fees, to name a few. Once you found the right one for you, click on the “Go to Site” green button to learn more or initiate your application.

      Please make sure though to read the eligibility criteria, features, and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

      Have a wonderful day!


  5. Default Gravatar
    November 13, 2018

    Why does it say 0% interest on purchases for the first 13 months, then only 55 days interest-free? Which one is it?

    • Avatarfinder Customer Care
      November 14, 2018

      Hello Tyler,

      Thank you for your comment.

      Please note that the Bankwest Breeze Mastercard offers new customers 0% p.a. interest on purchases for the first 13 months. The interest-free days do not only apply to purchases but also applies to the overall balance of the credit card. You must pay the closing balance, including any cash advances and balances, to qualify for interest-free days.

      Find out how the 55 days interest-free works. Also, please check how the 0% interest-free on purchases works.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


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